When you work for a rideshare company, you are covered by their liability, comprehensive, and collision insurance only at certain times during the workday. If an accident occurs outside of these times, you can be responsible for any costs incurred, so it's important to carry the right types of personal auto insurance. Below, learn about the types of policies to consider and the importance of consulting an insurance agent.

Types

The most thorough coverage provided by the rideshare company is only in effect when you are en route to picking up a passenger or have a passenger in your car. If you have the app on and are waiting for a passenger request, the rideshare company's coverage is much less comprehensive. So, the extent of coverage is entirely dependent on what you're doing at different points during your workday. This can lead to gaps in coverage, but there are options to help fill in these gaps.

One solution is to purchase a commercial auto insurance policy. This type of policy protects against financial losses due to accidents, theft, vandalism, and other covered events when using your personal vehicle as a business vehicle.

Another option is to obtain a rideshare endorsement from your auto insurer. This will essentially expand the coverage of your personal policy to include certain business usages of your vehicle. It will better protect you in those moments when the rideshare company's coverage is less than thorough.

Benefits of Working With an Agent

Insurance agents understand the unique challenges rideshare drivers face. They will take the time to learn about your coverage needs and identify the extent of the protections provided by your employer. From there, they will present you with a variety of coverage options that can fill in the gaps and keep you better protected.

If you're a rideshare driver in need of auto insurance, Ohio Insurance Center Agency is here to help. For over 40 years, they have been serving clients in Cincinnati and throughout Ohio. They offer car, home, and motorcycle insurance solutions. Call (513) 522-6300 to request a free insurance quote or visit their website to explore their services.